Capital for San Diego,
from Torrey Pines to the harbor.

San Diego has one of the most distinctive economic mixes in the United States. Biotech and life sciences anchor Torrey Pines and Sorrento Valley — one of the deepest research and pharma clusters in the country, built around Salk, Scripps, UC San Diego, and a long roster of pharma and medical-device anchors. Defense and military operations span the county — North Island, MCAS Miramar, Camp Pendleton, the broader Navy installations, and the defense-services ecosystem around them. Tourism and hospitality run as a stable year-round economy on the back of one of the most consistent climates in the country. And on top of all of it, San Diego has built itself into one of the most credible craft-beverage scenes in America. The texture of San Diego business is layered, technically sophisticated, and chronically misread by national underwriting.

Goliath was built to underwrite that complexity. We are headquartered in Miami at 3250 NE 1st Avenue, Suite 307, but our underwriting team works San Diego files every business day on Pacific time. We know the difference between a Sorrento Valley contract-research firm's customer-pay cycle and a Gaslamp restaurant's seasonal signature. We know which San Diego banks clear ACH same-day. We know how to read government-contract deposit patterns and how to underwrite around them. That granular local knowledge separates a structured offer from a generic decline.

San Diego's submarkets, by what they actually need

Downtown and the Gaslamp Quarter carry the hospitality, convention, and stadium-adjacent economy — restaurants, bars, hotels, and the event-services ecosystem. Little Italy houses the modern restaurant, design, and creative-services cluster. La Jolla anchors wealth management, specialty medical, luxury retail, and high-end hospitality, plus the UCSD-adjacent academic and research economy. Mission Valley runs corporate offices, healthcare, retail, and a deep hotel and convention-services base.

Sorrento Valley and the Torrey Pines mesa anchor the biotech corridor — research institutes, pharma, medical-device, diagnostics, and the contract-research and IT-services base supporting them. North Park has become the city's independent restaurant, craft-beverage, and creative-agency neighborhood. Pacific Beach and the broader beach communities carry hospitality, retail, and the surf-adjacent consumer economy. Carlsbad, Oceanside, and the North County corridor run a growing tech and life-sciences base, plus hospitality and residential services. Every one of these submarkets sits in our pipeline every month.

What makes San Diego underwriting distinctive

San Diego businesses tend to run on technically sophisticated customer bases — biotech, defense, healthcare — that pay on slower cycles than typical commercial customers. The result is a working-capital gap that national lenders running rigid rules misread as weakness. Our underwriting reads the gap correctly. We also calibrate to the seasonal patterns of a tourism and hospitality economy that runs stronger year-round than most California markets. We do not require tax returns or P&Ls on positions under $250K and we do not run hard credit pulls until you have chosen a term sheet.

No single industry defines San Diego. Our San Diego book mirrors the county's unique mix of biotech, defense, hospitality, and craft beverage.

Biotech and life sciences

Sorrento Valley and Torrey Pines contract research organizations, pharma services, medical device contractors, diagnostics, IT and lab vendors, and the consultancy base. Equipment, mobilization, and customer-pay bridges.

Defense and military services

Defense contractors, IT and engineering services, logistics and equipment vendors, and the consultancies serving North Island, Miramar, Pendleton, and the broader installations. Government-contract bridges and mobilization.

Restaurants, bars, and craft beverage

North Park breweries, Miramar brewery corridor operators, Gaslamp and Little Italy restaurants, La Jolla fine dining, and the broader independent F&B scene. Equipment, build-outs, and seasonal capital.

Hospitality and tourism

Gaslamp hotels, La Jolla resort-adjacent businesses, Mission Bay hospitality, and the convention and cruise-adjacent ecosystem. Equipment, build-outs, and seasonal capital.

Healthcare and dental

Independent and group medical practices, dental offices, urgent care, behavioral health, and specialty clinics across the county. Build-outs, equipment, and insurance-receivable bridges.

Marine and harbor-adjacent

Marine services, yacht and boat repair, harbor-adjacent contractors, and the broader maritime economy along San Diego Bay and the North County coast. Equipment, mobilization, and seasonal capital.

Professional services

La Jolla and Downtown law firms, accounting practices, wealth advisors, IT services, and consultancies. Capital for hiring sprints, technology, and book acquisitions.

Construction and trades

GCs, subs, electrical and plumbing contractors, and residential builders feeding North County growth. Mobilization capital and lien-bridge positions.